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Founded in 1927, Schultheis & Panettieri, LLP is a leading provider of accounting, auditing and tax services in the NY Tristate Area and along the East Coast.

Based on Long Island, with an office in Manhattan, Schultheis & Panettieri, LLP is committed to building and maintaining strong relationships with our clients. We believe that actions speak louder than words and prove it every day by anticipating and responding to our client's needs.

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Regulatory Update News

How Low Will Stocks Go?
If this is a routine correction, not much further, writes Brett Arends.

How to Make Your Savings Outlive You
Retirees can’t expect a fixed income stream from risky investments, Sunday Journal columnist Jonathan Clements writes.

Samsung: Nice Stock if You Can Get It
World’s leading maker of memory chips is highly profitable.

Why Small-Cap Stocks Still Look Pricey
Shares of small companies have fallen sharply, but they remain expensive in relation to sales and earnings.

Wall Street Gets a Case of the Jitters
It may not be a "correction," but it's a reminder that one is due.

Buy? Sell? Or Hold?
As 2014 winds down, Gregory Zuckerman takes the pulse of a surprisingly robust stock market.

The Simple Secret to Building Wealth
Saving steadily is far more important than high earnings or investment wizardry, writes Jonathan Clements.

Bank of America Could Surge Soon
It's improving financially and resolving its legal problems.

Three Ways to Assess Your Financial Progress
You don't need a professional planner to figure out where you stand, writes Jonathan Clements.

Ventas Bets Big on an Aging Population
Some think the REIT could surge 30% in the next year.

Approach Hot Indian Stocks With Care
India's stock market is enjoying a moment in the sun, helping turn India into a darling of U.S. investors looking for the next hot emerging market. But investors shouldn't be blinded to the risks by this year's shimmering returns.

Three Mistakes Investors Keep Making
Successful investing requires avoiding common mental and emotional pitfalls.

The Case for Sticking With Stocks
Long-term investors should keep at least 60% of their money in shares, even when they seem overvalued, this researcher says.

The Importance of a Balanced Portfolio
Jonathan Clements explains how it's done and how it helps.

Thermo Fisher Looks Ready to Soar
It's gaining market share, paying down debt and cutting costs.

Junk Bonds Deserve a Place in Portfolios
The payoff is higher yields. But recent market gyrations are a reminder of the risks.

Is That an Office Building in Your 401(k)?
Some retirement-plan savers can invest in private funds that own commercial property.

What Markets Did While You Were Tanning
The bulls wobbled on geopolitical news, then have resumed their run.

Why Analysts Say TransCanada Is Undervalued
Growth prospects are strong, especially if pipe and generation assets are split.

There's No Need for Investors to Fear September
Historical stock-market returns for the month aren't as ominous as some investors believe.

How to Fire Your Financial Adviser
Weekend Investor: Cutting ties with someone who has helped you navigate tough financial issues can be difficult. Here's how to do it.

Why Your Cash Isn't Trash
Weekend Investor: Your cash might be earning more than you think—even as it loses value to inflation.

The Payoffs of Investing Locally
It can be worth it both financially and personally, but there are risks. Here's what you need to know.

How Much Diversification Is Too Much?
We run the numbers to see how much expanding your investment holdings really pays off.

'Alternative' Investments: What You Need to Know
Jonathan Clements provides three broad guidelines.

Terex Is Poised for Heavy Lifting
Crane maker should benefit from several tailwinds.

Taking Stock of Automated Financial Advisers
These online services use computer programs to manage portfolios—and charge far less than traditional brokerages. Should investors bite?

Calling a Market Peak Is Only Half the Battle
Hulbert on Investing: Investors who side-step a bear market often blow the timing of getting back into stocks.

Taiwan Semiconductor’s Chang on How the Chip Industry Is Evolving
Morris Chang, chairman of Taiwan Semiconductor, discusses how his company is preparing for the Internet of Things

Lilly Sees Light After a Difficult Year
Chief Executive John C. Lechleiter talks about the opportunities and challenges ahead for the drug maker.

Samsung: Nice Stock if You Can Get It
World’s leading maker of memory chips is highly profitable.

Good News and Bad for Retirement Savers
It’s cheaper to roll into a Roth IRA, but harder for your heirs to shield it from taxes.

How Low Will Stocks Go?
If this is a routine correction, not much further, writes Brett Arends.

How to Make Your Savings Outlive You
Retirees can’t expect a fixed income stream from risky investments, Sunday Journal columnist Jonathan Clements writes.

The Risks of Insuring Against Risks
Whenever the stock market turns turbulent, brokers and financial advisers trot out structured notes as an alternative. Here’s why you should be wary.

An Extra Step to Protect IRAs Earmarked for Heirs
A Supreme Court ruling prompts some people to set up trusts for retirement money going to people other than spouses.

What’s in Your 529 Plan?
College savings plans diversify beyond plain-vanilla stocks and bonds.

The Real Reasons to Worry About Stocks
Your long-term returns won’t be determined by this month’s market swings. Here’s what does matter.

For College Students, History’s a Mystery
Few schools mandate courses in subjects like U.S. government, history or economics, according to a survey of core curricula at 1,098 four-year colleges and universities.

Ruling Sparks Rush to Shield IRAs
A recent Supreme Court decision stripping inherited IRAs’ protection from creditors in bankruptcy proceedings has families rethinking the best ways to pass savings to heirs.

How Reaching for Return Becomes Digging a Hole
Most investors have no business loading up on leverage and dabbling in derivatives, writes Jonathan Clements.

Health-Care Choices: HSAs vs. FSAs
More employers are rolling out the kind of insurance plans that can be paired with health savings accounts, or HSAs. Others are offering enhancements to health flexible spending accounts, or FSAs.

Bears Stalk ‘Goldilocks’ Stock Market
For several years, it’s been a Goldilocks stock market. Now, some investors wonder if an economic slowdown overseas and the Federal Reserve will spoil the fairy tale.

Kroger’s Latest Special: Its Stock
Kroger, the No. 2 U.S. food retailer, wants to be more than just another mass grocer. While its stock has risen, analysts are seeing room for more upside, maybe as much as 20%.

Why Small-Cap Stocks Still Look Pricey
Shares of small companies have fallen sharply, but they remain expensive in relation to sales and earnings.

Robert Shiller on What to Watch in This Wild Market
The Yale University finance professor talks about stock prices and what he is doing with his money.

Solving Retirement’s Longevity Puzzle
Weekend Investor: Many people worry about running out of money in retirement. But for those who could die early, there’s another risk: being too cautious.

Office Gossip Is Fun, Unless It Is About You
Evaluate the sources of gossip, the nature of rumors and their potential damage when you are the subject of the rumor mill at work. Experts offer techniques for silencing the whispers.

An ETF Giant Steps to ‘Active’ Side
BlackRock, known for iShares ETFs, still sees lucrative fees in active funds for individual investors.

Too Late for TIPS? ETF Ideas for Hedging Against Inflation
Because of fears that inflation will return soon, some advisers recommend using several different asset classes to hedge against inflation.

Was Bill Gross the Last Star Manager?
Fund Fiend: Pimco saga shows the downside of larger-than-life personalities in mutual funds.

Momentum Investing: How It Works
In Translation: Investor behavior can reinforce moves both up and down, giving momentum investors an opportunity.

‘Ethical’ Investing in Emerging Markets?
The notion of socially responsible investing around the globe could seem folly, but some funds think it’s possible.

Vanguard’s $3 Trillion Man
CEO F. William McNabb III discusses how the mutual-fund company has more than doubled its assets since he took over, and its global ambition.

U.S.-Stock Funds Fell 1.9% in Quarter
Quarterly Monitor: U.S.-stock funds fell 1.9% in the third quarter, the first negative return in nine quarters. Investors remain in a “show me” state.

Janus Contrarian Fund Wins Crown, by a Nose
Winners’ Circle: The Janus Contrarian fund rode airline stocks to a 25.3% return over the past 12 months, making it the winner by a nose in The Wall Street Journal’s quarterly Winners’ Circle contest for U.S.-stock funds.

Five Questions to Ask Before Stealing From Your 401(k)
It is no longer considered absolutely inadvisable, or unusual, to touch one’s 401(k) before retirement. But be aware of the pros and cons.

A Strong Period for Target-Date Funds
They’re growing more popular as retirement-savings vehicles.

Are You Prepared for a Stock Selloff?
Jonathan Clements on how to position yourself now for a possible downturn.

The Market Makes a Case for Conservative Investing
Most people are better off dollar-cost averaging in index funds.

Bonds: What to Do Now
Weekend Investor: Bill Gross’s sudden departure from Pimco raises five timely questions for investors. Here’s what you need to know.

Not Your Father’s Dividend Stocks
With yields low, investors hunting for income should look at technology stocks such as Apple and at overseas shares.

Is Your Charity a Commodities Trader
A new worry for nonprofits and for donors.

The Money Conversation Americans Need to Have
Most worry a great deal about finance, but few broach the topic.

Bank of America Could Surge Soon
It's improving financially and resolving its legal problems.

Wall Street Gets a Case of the Jitters
It may not be a "correction," but it's a reminder that one is due.

Should Investors Chase After Bill Gross Again?
Advice for investors after the manager's stunning departure from Pimco.

The Roth-IRA Math for 50-Somethings
These accounts can sometimes pay off even for people who expect a lower tax rate in retirement.

Is It Time to Invest in Bitcoin?
What investors should know before diving into bitcoin and other cryptocurrencies.

ETF Ideas for Banks in a Rising-Rate Environment
Some financial advisers say it would be a mistake to exit bank-related investments because of rising rates, especially for a long-term holder.

How to Manage Collectible Investments
Many investors don't have a clue about the value of their fine art, antiques or other collectibles or how to protect them properly—a situation that can cost them dearly.

For New Parents, New Look at Finances
A young couple with a baby look again at their finances, with help from a financial adviser.

Ventas Bets Big on an Aging Population
Some think the REIT could surge 30% in the next year.

Three Ways to Assess Your Financial Progress
You don't need a professional planner to figure out where you stand, writes Jonathan Clements.

The Rise of Ultracheap Financial Advisers
In a world in which the expected long-term return on stocks after taxes and inflation is 3% to 4% a year at best, financial advisers still typically charge 1% a year for their services. Why, when you take all the risk, does your adviser take up to one-third of the reward?

The New World of Property Investing
There's a growing array of ways to profit from renting out single-family homes.

Approach Hot Indian Stocks With Care
India's stock market is enjoying a moment in the sun, helping turn India into a darling of U.S. investors looking for the next hot emerging market. But investors shouldn't be blinded to the risks by this year's shimmering returns.

Don't Be Lulled by Smooth Market Ride
It's been a long time since the last correction—and that's a reason to plan for the next one.

A Full Night's Sleep Can Really Pay Off
Weekend Investor: Being well rested can make people more productive and valuable at work, as well as smarter in their investing, research suggests.

Dow Jones Newswires Codes - Subject Codes

If You Buy Alibaba, Be Ready for a Rough Ride
If you have money you can afford to lose and you get shares in Alibaba's IPO at a price under $70, you should probably hang on—but don't even think about buying in the first place if you scare easily.

Where (in the Human Body) Venture Capital Is Going
A look at the organs and maladies that are attracting the most interest of startups and venture-capital investors. Hint: Think aging baby boomers.

Answers to Your Questions on Estate Planning
What you should know about 'pour-over' plans and revocable trusts.

How to Throw Away a Fortune
The smart moves you can neglect and the stupid ones you can make, writes Jonathan Clements.

Clean Up That Portfolio
An investment portfolio can be like a closet or a garage, collecting random stuff until it's cluttered and in need of some serious cleaning. Tom Lauricella explains why simplification matters.

China Widens Access to Its A Shares
There are potential bargains, but also risks, in the Shanghai-listed stocks.

The Secrets of Berkshire's Success: An Interview with Charlie Munger
Warren Buffett's right-hand man talks about investing philosophy and what has worked for Berkshire Hathaway.

Three Mistakes Investors Keep Making
Successful investing requires avoiding common mental and emotional pitfalls.

Turnaround Remains Elusive at Magellan Fund
Spotlight : As Jeff Feingold's stewardship of Fidelity's Magellan fund nears the three-year mark, one analyst calls his performance 'respectable' while another suggests new investors might want to look elsewhere.

College Try: To Offset Tuition, a Bet on Health Care
One way for parents to plan for college costs is to invest in stocks that have the potential for significant growth. With health-care costs on the rise, that sector is one candidate.

Will It Be a 'Single Digit' Year for Stock Funds?
Monthly Monitor : U.S.-stock funds notched a 3.8% return for August, to put them at a 5.9% gain for the year to date.

Test Your Smarts...on Muni Funds
Investor IQ: Municipal-bond funds have managed to recover from the 2013 market rout. How much do you know about the sector? Take our quiz.

Time to Buy the Farm?
Spotlight: A few REITs give small investors access to farmland and forest tracts. Prices are down recently, but most yield dividends well above the current yields on short-term Treasurys.

Are 'Managed' ETFs Worth It?
Pools of ETFs managed by specialists are becoming popular investments, but some question their value.

With a Bitcoin ETF, Risk Isn't Virtual
Two firms are racing to bring a publicly traded bitcoin fund to market. Potential investors should consider the extraordinary risks of investing in the virtual currency.

Mutual Funds' Five-Star Curse
The rare ability of funds to maintain five-star ratings from Morningstar over a 10-year period offers a few lessons for investors.

Market Sentiment: Why It Matters
In Translation: There has been plenty of talk about market sentiment this summer, but why is it considered important?

The Importance of a Balanced Portfolio
Jonathan Clements explains how it's done and how it helps.

Thermo Fisher Looks Ready to Soar
It's gaining market share, paying down debt and cutting costs.

Intelligent Investor: Can Peers Burn Holes In Your Portfolio?
New research helps explain how financial contagion spreads and how to protect yourself against it.

Is That an Office Building in Your 401(k)?
Some retirement-plan savers can invest in private funds that own commercial property.

Junk Bonds Deserve a Place in Portfolios
The payoff is higher yields. But recent market gyrations are a reminder of the risks.

The Case for Sticking With Stocks
Long-term investors should keep at least 60% of their money in shares, even when they seem overvalued, this researcher says.

Why Analysts Say TransCanada Is Undervalued
Growth prospects are strong, especially if pipe and generation assets are split.

Worried About Having Enough Retirement Income?
Jonathan Clements lays out five steps for getting you there.

What Markets Did While You Were Tanning
The bulls wobbled on geopolitical news, then have resumed their run.

The Tax Bill Comes Due on Kinder Morgan MLPs
Investors in two master limited partnerships could owe big taxes in the proposed reorganization.

There's No Need for Investors to Fear September
Historical stock-market returns for the month aren't as ominous as some investors believe.

Why I Fired My Financial Adviser
The relationship got off to a rocky start, says this Journal editor. Nine months later, it was over.

How to Fire Your Financial Adviser
Weekend Investor: Cutting ties with someone who has helped you navigate tough financial issues can be difficult. Here's how to do it.

How to Play Catch-up on Retirement Savings
If you've socked away too little, combine a higher saving rate with smart planning on Social Security and when to leave the workforce.

Insurance Against Outliving Your Retirement Savings
You should think twice before jumping into 'longevity annuities.'

Schlumberger Shares Could Get North American Boost
Recent acquisitions should help it exploit the fracking boom.

Financial Beliefs You Might Not Like
Jonathan Clements shares 13 personal convictions on investing.

When Grandparents and 529 Plans for College Savings Clash
Well-intentioned gifts to grandchildren could hurt their chances of getting financial aid.

Tax-Smart Giving Made Easy
Weekend Investor: Many donors benefit by making charitable donations through a 'charitable gift trust' or 'donor advised fund.'

Strategies for Smoother Ride in Stocks
'Low volatility' funds are one option, but maybe not the best choice.

How to Teach Teens About Investing
Consider giving them real money to invest—but not without sharing these three stock-market truths.

Financial Advice for College Freshmen
The Experts suggest ways students can be smart about saving and spending on campus.

Terex Is Poised for Heavy Lifting
Crane maker should benefit from several tailwinds.

'Alternative' Investments: What You Need to Know
Jonathan Clements provides three broad guidelines.

Hedge Funds in Your 401(k): Do They Fit?
Many asset managers argue that nontraditional investments belong in your 401(k) or other retirement account. But with giant pension plans cutting their exposure to hedge funds, retirement investors should open their eyes before they open their wallets.

Why Your Cash Isn't Trash
Weekend Investor : Your cash might be earning more than you think—even as it loses value to inflation.

The Best Books for Investors
Summer may be winding down, but there's still time to sit back with a good financial read. We asked The Experts what book they would recommend to investors.

The Art and Science of Comparing Fund Returns
The Experts discuss what investors overlook the most when analyzing fund returns.

Toothless but Self-Aware
If you're planning to see "The Production Line of Happiness," the Christopher Williams retrospective now at the Museum of Modern Art, be prepared to be baffled and irritated.

How Should Capital Gains Be Taxed?
The Experts weigh in on whether it's fair that tax rates for capital gains and most stock dividends are lower than tax rates on earned income.

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